SBA Relationship Manager

Position- SBA Relationship Manager

Location- San Francisco, CA (Hybrid) and San Jose, CA (Hybrid)

Mode- Hybrid

Job Summary

The SBA Relationship Manager plans and implements financial institution sales and marketing programs targeted toward the business community and examines, evaluates, and recommends approval of all types of Small Business Administration loans.

Essential Job Functions

• Assists lending team in all facets of growing and managing the bank's SBA loans.
• Develops new and additional deposits, cash management and bank services revenue.
• Works with clients to resolve account or service-related problems
• Maintains ongoing visibility with client base
• Calls and visits target customers to promote and sell establishment products and services.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements, such as business checking, business credit card, and letters of credit.
• Develops, revises, or eliminates products and services experiencing less than satisfactory performance.
• Acquires and grows profitable account relationships with moderately complex business customers and commercial real estate investors/owners.
• Accurately analyzes borrowers' financial status, credit and property evaluations, credit histories, corporate financial statements and other relevant financial information to determine feasibility of granting loans; prepare loan presentations with the assistance of loan processors to Loan Committee for approval.
• Reviews and updates credit and loan files and loan agreements to ensure that they are complete and accurate according to policy.
• Compiles and analyzes market research data to develop portfolio of products and services focused on needs of target market.
• Generates new products and services to complement current portfolio.
• Generates and screens leads following establishment policies and procedures to attain new business relationships and product sales.
• Designs selling program to promote establishment consumer and business loan products.
• Oversees all stages of loan development program to ensure compliance with establishment policies and procedures.

Supervisory Responsibility

This position has no supervisory responsibilities.

Knowledge:

• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
• Knowledge of business and management principles.
• Knowledge of principles and processes for providing customer and personal services
  
  

The ability to:

• Communicate information and ideas in speaking so others will understand.
• Apply general rules to specific problems to produce answers that make sense.
• Listen to and understand information and ideas presented through spoken words and sentences.

Qualifications/Requirements

• Bachelor Degree/Master's Degree or equivalent.
• Actively strive to increase customers' deposit business within the bank.
• Demonstrated sales experience, negotiation skills, business development, portfolio management skills, accounting and/or financial acumen.